General Question

absolutely's avatar

Is there a statute of limitations on collections for phone bills?

Asked by absolutely (126points) February 1st, 2008

A collections agency (American Agencies) is coming after me for a phone bill from 1999 that I don’t remember owing and is not on my credit report. Why they waited 9 years to collect is anyone’s guess. I’m just trying to figure out what to do here, because I think it’s a scam.

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6 Answers

gooch's avatar

7 years on all credit issues or less sometimes

mikeyC's avatar

Scam & DO NOT give them anything !!!
You R sure U don’t owe? Run don’t walk and maybe get them blocked from calling , if they call.

mikeyC's avatar

How much is it$$$ anyway? Still see above

kevbo's avatar talks about stuff like this and is likely to have ideas to get them off your baok.

cwilbur's avatar

I’ve had collectors come after me a few times. I instruct them to contact me in writing (as required by my state law) and follow up with a registered letter, and I log every time they call me or leave a message. The legitimate ones do this, and get paid; the scammers don’t.

Eventually it comes down to a phone call where they threaten to garnish my wages (for a debt they can’t establish that I owe, and won’t contact me in writing about) and I threaten to bring the copy of the certified letter and a history of the phone conversations to the attention of my state’s attorney general. That usually ends the matter.

There was a scam that they tried on me a few years ago – they call claiming you may owe their (unnamed) client money, and the agent on the phone is willing to offer you a deal right then and there. The debt is always about $1000, and they offer to settle for $200—$300, which seems reasonable; but they don’t allow you time to actually check that you owe the debt. I can only imagine that there are some people so terrified of debt collectors that they just hand away a couple hundred dollars, but I’m not one of them.

These people make their money off of intimidation and fear. Don’t give in.

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